Q5. William James is considering an investment scheme, to fund his house purchase after 6 years, with following cash deposits for a period of 6 years. All deposits happen at the end of the year. Year 1 2 3 4 5 6 Cash deposit (5) 10,000 12,000 14,000 16,000 18,000 20,000 Required: a) The rate of interest on the deposits is 10% per annuum. If James requires an amount of $115,000 at the end of 6 years to purchase the property, how much will be the shortfall or surplus of this investment scheme? Show all the necessary calculations b) If the rate of interest increases to 12%, what will be the surplus/shortfall (6+4 = 10 points)